How AI-Powered Digital Twins Are Shaping the Future of P/C Insurance

Property and casualty (P/C) insurers are facing increasing pressure from rising climate risks and extreme weather events. In response, AI-enabled digital twins of properties are emerging as a transformative tool. These digital replicas, fueled by AI and smart sensors, allow insurers to predict weather damage and advise customers on property protection, offering personalized pricing based on real-time data.

While these digital solutions can improve underwriting and risk assessment, many insurers face hurdles related to outdated technology, regulatory shifts, and significant investment costs. As the industry adapts to new weather patterns like La Niña, AI-powered digital twins offer a path forward for P/C insurers to better serve policyholders and protect their assets.